More on Discover

I am so glad that I posted about Discover. I got some great comments. Ntbeachnc says she pays for everything with her Discover card. I so admire people like her and Elizabeth. They are so disciplined. They understand that the credit card is a means to make purchases. The have the ability to use it as a budgeting tool. Racerx hit the nail right on the head, suggesting that it's great if I can do it. That's a big IF for me. Then there's Wendy. She used the card to get the points. She earned enough points to buy Christmas presents, but she still has a balance. I'm so afraid that would be me.

So I've decided that I'm not going to do it yet. I feel much more successful when I pay as I go with cash. For some reason when I use cash and it's gone, I know there can be no more spending. I have not been able to make my mind work that way when I use a credit card.

Thanks to all for your input. Thank you, Elizabeth, for the pep talk! It's not a done deal. I'm just keeping it on the back burner for now.